Coronavirus Update

COVID-19 and Our Commitment to You

NWSB Bank remains committed to the health and well-being of our customers and employees.

Effective 11/27 - Locations will be drive-up and by appointment only

Starting November 27, 2020, Community Banking Offices will be drive-up service and by appointment only. If you have an immediate need that cannot be addressed through the drive-up or electronic services, please call 1.844.822.6972 to schedule an appointment. Thank you for helping us keep our customers, community, and team members safe. Please check the current hours of your preferred location before visiting.

 Face Covering Requirement

Per CDC recommendations and Maryland State requirements, everyone must wear a face covering when visiting our locations when visiting our lobbies. This is for the health and safety of our customers and team. If you prefer not to wear a face coverings, please use our drive-ups and electronic banking.

Location & Drive-up Hours

How NWSB Bank is Committed to You

Effective Until Further Notice

  • Limits on Mobile Banking deposit transactions have been raised temporarily so that customers have the ability to deposit checks in both higher dollar amounts and number.
  • For personal loan customers experiencing financial hardship, processes are in place to assist in loan payment deferrals or other accommodations.
  • Additional staff have been allocated to assist customers over the telephone and to handle new customer enrollments in Online Banking, Mobile Banking, and Bill Pay.

Business Customer Assistance
For business loan customers, processes are in place to assist in loan payment deferrals or other accommodations:

  • Limits on Mobile Banking deposit transactions have been raised temporarily so that customers have the ability to deposit checks in both higher dollar amounts and number.
  • For business customers impacted by COVID-19, there is potential fee relief for the Bank’s deposit and lending solutions.

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Our relationship managers are equipped to support our customers’ unique circumstances.

If you are experiencing financial hardship due to COVID-19, please call us at 1-844-822-6972 before your situation escalates. 

FREE Health Savings and Identity Theft Protection

We’re all in this together and NWSB Bank is here for you.  As part of our Advantage Rewards program we’re giving these health and safety related benefits (pharmacy/vision/ hearing savings and identity theft protection) to all of our customers (who don’t already have these benefits with their checking accounts) AT NO COST now through December 31, 2020.

LEARN MORE

 

FREE Health Savings and Identity Theft Protection

Paycheck Protection Program (PPP) – Forgiveness

Updated 10/1/2020

We are starting to get a lot of anxious questions regarding PPP Forgiveness. While we are looking to start the PPP Loan Forgiveness process in October, there is still pending legislation that could substantially reduce the level of supporting documentation required by the SBA. We will contact you via e-mail when the process begins. Some of the earlier PPP loans were to begin repayment in October; however, please note that all loans are subject to the updates from the PPP Flexibility Act, regardless of the loan agreement language.

Per the PPP Flexibility Act and subsequent SBA guidance, as long as a Borrower submits its loan forgiveness application within ten (10) months of the completion of the Covered Period, the Borrower is not required to make any payments until the forgiveness amount is remitted to the Lender by SBA. If the loan is fully forgiven, the Borrower is not responsible for any payments. If only a portion of the loan is forgiven, or if the forgiveness application is denied, any remaining balance due on the loan must be repaid by the Borrower on or before the maturity date of the loan. Interest accrues during the time between the disbursement of the loan and SBA remittance of the forgiveness amount. The Borrower is responsible for paying the accrued interest on any amount of the loan that is not forgiven. As a reminder, the PPP Flexibility Act allows the Borrower to extend its Covered Period from 8 weeks to the earlier of December 31, 2020, or 24 weeks from the date of the loan.

Based on the PPP Flexibility Act and subsequent guidance, we do not anticipate that PPP Borrowers will need to make payments in October and November so long as they timely submit a forgiveness application, when we are ready to accept them.

We know many of you are anxious to start this process, and we are too. However, we believe that waiting a bit longer to take applications will allow us to refine our planned process and incorporate the ever-changing guidance and interpretations issued by the SBA. Taking the time to do this right will benefit everyone. In addition, we are keenly monitoring the proposed legislation to grant expedited or automatic forgiveness of small PPP loans under $150,000 and although the likelihood of legislative consensus appears to be decreasing, it is possible that this proposed legislation may come to fruition.

We are committed to you and your business. Thank you for choosing your local, community bank!

SBA PPP Loan Forgiveness

When you visit an office for an appointment or through the drive-up, you can be assured we are taking the necessary steps to create a safe environment.

To keep our lobbies clean and safe we:

  • Sanitize and clean in accordance with current recommended guidelines. This includes wiping down common surfaces and items with disinfectant made for coronavirus.
  • Provide hand sanitizer to use during your visit.
  • Have instituted capacity limits.
  • Have installed protective barriers at our teller windows and in the offices so you feel comfortable making your transactions.
  • Placed floor decals to help maintain social distancing and to designate walking paths.
  • Are wearing face coverings and washing our hands frequently.
  • Require all customers wear face coverings while visiting our locations.

Lobby Preparations for Reopening

Lobby Hours & Drive-up Services

Starting 11/27 our locations will be drive-up and by appointment only

Please check the chart below for hours and information about your preferred location. To request an appointment, call the Contact Center at 1.844.822.6972

Please note: Transactions may take longer than normal at drive-up locations. For 4 or more transactions please make an appointment. We appreciate your patience.

Face Covering Requirement: Per CDC recommendations and for the health and safety of our team and customers, anyone visiting our lobbies must wear a face covering. Those without face coverings are encouraged to use our drive-ups for essential services and electronic banking whenever possible.

HOLIDAY BANKING HOURS

CHRISTMAS
Thursday, December 24 - Closing at 1:00 p.m.
Friday, December 25 - Closed
Saturday, December 26 - Closed

NEW YEAR’S
Thursday, December 31 - Closing at 1:00 p.m.
Friday, January 1 - Closed
Saturday, January 2 - Closed

Location

Lobby Hours Drive-up Hours

Eldersburg
1708 Liberty Rd.
301-829-3097
24-Hour ATM Service

By appointment only
M-F 9:00 - 3:00

M-F 9:00 - 3:00

Hampstead
2305 Hanover Pike
410-635-6428
24-Hour ATM Service

By appointment only
M-F 9:00 - 3:00

M-F 9:00 - 3:00
Sa 9:00 - 12:00

Mt. Airy
1001 Twin Arch Rd.
301-829-3097
24-Hour ATM Service

By appointment only
M-F 9:00 - 5:00
Sa 9:00 - 12:00

M-F 9:00 - 5:00
Sa 9:00 - 12:00

New Windsor
213 Main St.
443-671-5959
24-Hour ATM Service

By appointment only
M-F 9:00 - 3:00
Sa 9:00 - 12:00

M-F 9:00 - 3:00
Sa 9:00 - 12:00

Taneytown
222 East Baltimore St.
410-840-0249
24-Hour ATM Service

By appointment only
M-F 9:00 - 5:00
Sa 9:00 - 12:00

M-F 9:00 - 5:00
Sa 9:00 - 12:00

Westminster / College Square
444 WMC Drive
410-751-5391
24-Hour ATM Service

By appointment only
M-F 9:00 - 5:00
Sa 9:00 - 12:00

M-F 9:00 - 5:00
Sa 9:00 - 12:00

Westminster / Market Place
810 Market Street
410-840-0146
24-Hour ATM Service

By appointment only
M-F 9:00 - 5:00
Sa 9:00 - 12:00

M-F 9:00 - 5:00
Sa 9:00 - 12:00

Other office locations in the Maryland and Pennsylvania areas:
FCB Bank locations | ACNB Bank locations

NWSB Bank Mastercard® debit card customers can also make surcharge-free ATM withdrawals at over 500 Sheetz® locations. 

Man at computer with son

Online Banking 

As always, you may access your accounts 24/7 using our online banking and mobile apps for individuals and businesses to...

  • Check balances
  • Send payments
  • Make mobile check deposits
  • And more

You can enroll on your computer or mobile device. If you need assistance, please call 1.844.822.6972. As an alternative, you may utilize Telephone Banking.

Enroll Now 
 

Wealth Management, Loans and Mortgage Questions

Our team of professionals is available to provide solutions, tailored to each individual customer. Should you have any questions or concerns, please reach out via email or phone so we can work with you during this time of uncertainty. Below are links to contact information:

Wealth Management Team

Mortgage Team

Agribusiness Team

Treasury Management Team
Call 1-866-584-8949 (ext. 2)

Commercial Lending Team
Call 1.844.822.697

As a community bank with a history that spans more than 160 years, we have endured trying times with our customers that have included wars, pandemics, bear markets, and recessions. Together, we will get through this crisis, and we will continue to make important decisions to positively support your financial needs and livelihood. 


Support Local Businesses - We care about the small businesses in our local communities and encourage you to shop local when you can.

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